Monthly Archives: February 2013

Those new to electronic payment processing often ask, “Why do I need a payment gateway?” It’s a great question and this article will help explain.

In order to process electronic payments such as credit cards, debit cards, and ACH/electronic check payments, merchants work with payment gateways. A payment gateway sends the electronic payment data to a processor/acquiring bank that routes the payment securely to the issuing bank. A payment solution handles this complex workflow in mere seconds. An issuing bank maintains the consumer’s credit card account and pays out to a merchant’s account when the consumer makes a credit card purchase.

The gateway can be one piece of an overall payment solution. TrustCommerce payment solutions include gateway functionality, and much more.

Seems like everywhere you turn, organizations are leveraging kiosks in retail environments. Healthcare is no exception. In a push to improve the patient experience, increase efficiency and reduce costs, implementing kiosks has become a natural choice.

TrustCommerce is dedicated to providing solutions that remove credit card data from provider environments and reduce PCI scope. Currently, TrustCommerce supports full end-to-end encryption with Epic Resolute and Welcome through the use of encrypted card swipes and encrypted key entry. In addition, TrustCommerce is the only payment solution that supports a transparent redirect model for the online MyChart product, ensuring sensitive cardholder data never enters the healthcare organization’s environment. Healthcare organizations can use tokenization within Epic 2012 MyChart and Welcome, dependent on the client’s overall system design.

Merchant who store, process or transmit cardholder data, must be compliant with the PCI Data Security Standard. More often than not, PCI DSS Compliance is a starting point for protecting payments, not an achievement that can be crossed off a check list.

Headlines remind us of the ongoing risk of data compromise. A franchising company is the latest example. According to the company’s press release, an internal forensic investigation, launched after fraudulent activity was found on several payment cards that had been used at the company’s locations, identified suspicious files, including malware, on the licensees’ computer systems at 108 locations in 10 states. The franchising company is concerned that the suspicious files could indicate that an attacker(s) may have accessed data, including credit and debit card information. It is yet to be determined whether credit or debit card data was exposed.

To help you better understand how TrustCommerce’s security products could have helped prevent this “malware” attack, here are some key points.

IRVINE, California, February 1, 2013 — TrustCommerce, leading provider of Point-to-Point Encryption (P2PE) payment solutions, has launched a Certified Solution Program. This program works with third-party vendors to integrate and test solutions following best practices. It is designed to provide partners and clients value-added services that complement TrustCommerce payment solutions.